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EPF
Members' Investment Scheme |
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Pengenalan
Mulai 1 November 2007, KWSP telah melaksanakan beberapa pembaharuan dalam SKIM KWSP secara berperingkat di bawah inisiatif strategik ’Bukan Hanya Simpanan’ seperti mana yang diperuntukkan di bawah Akta KWSP 1991 (pindaan 2007). Ini termasuklah inisiatif untuk memperkenalkan Simpanan Asas bagi menentukan amaun yang layak dilaburkan oleh ahli daripada Akaun 1 di bawah Pilihan Pelaburan Ahli (PPA)
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Definisi Simpanan Asas
Simpanan Asas ialah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur bagi membolehkan ahli memperoleh simpanan sekurang-kurangnya RM120,000 pada umur 55 tahun. Ahli boleh melaburkan simpanan dalam Akaun 1 yang melebihi simpanan asas dalam produk dan menerusi insititusi pelaburan yang diluluskan oleh Menteri Kewangan.
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Syarat-Syarat Yang Ditetapkan
| 3.1 |
Mulai 1 Februari 2008, ahli boleh melaburkan simpanan di bawah PPA tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1. |
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| 3.2 |
Pelaburan ini boleh dibuat setiap 3 bulan sekali dan jumlah minimum pelaburan ialah RM1,000.00. |
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| 3.3 |
Jumlah Simpanan Asas dan contoh pengiraan adalah seperti di LAMPIRAN. |
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| 3.4 |
Syarat-syarat am prosedur di bawah Pilihan Pelaburan Ahli yang lain masih kekal dan tidak berubah. |
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Lampiran
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Jumlah Simpanan Asas Dalam Akaun 1
| Umur (Tahun) |
Simpanan Asas (RM) |
Umur (Tahun) |
Simpanan Asas (RM) |
| 18 |
1,000 |
37 |
34,000 |
| 19 |
2,000 |
38 |
37,000 |
| 20 |
3,000 |
39 |
41,000 |
| 21 |
4,000 |
40 |
44,000 |
| 22 |
5,000 |
41 |
48,000 |
| 23 |
7,000 |
42 |
51,000 |
| 24 |
8,000 |
43 |
55,000 |
| 25 |
9,000 |
44 |
59,000 |
| 26 |
11,000 |
45 |
64,000 |
| 27 |
12,000 |
46 |
68,000 |
| 28 |
14,000 |
47 |
73,000 |
| 29 |
16,000 |
48 |
78,000 |
| 30 |
18,000 |
49 |
84,000 |
| 31 |
20,000 |
50 |
90,000 |
| 32 |
22,000 |
51 |
96,000 |
| 33 |
24,000 |
52 |
102,000 |
| 34 |
26,000 |
53 |
109,000 |
| 35 |
29,000 |
54 |
116,000 |
| 36 |
32,000 |
55 |
120,000 |
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Contoh Pengiraan Kelayakan
| Ahli |
Umur |
Simpanan Di Akaun 1 (RM) |
Simpanan Asas (RM) |
Pengiraan :
Simpanan Akaun 1 – Simpanan Asas X 20% |
Kelayakan Ahli |
| A |
22 |
4,000 |
5,000 |
- |
Ahli tidak layak memohon. Simpanan di akaun 1 kurang daripada simpanan asas |
| B |
22 |
8,000 |
5,000 |
(8,000 – 5,000) x 20%
= RM600 |
Ahli tidak layak memohon. Amaun kelayakan minimum kurang RM1,000 |
| C |
25 |
20,000 |
9,000 |
(20,000 – 9,000) x 20%
= RM2,200 |
Ahli layak memohon. Amaun kelayakan minimum RM1,000 dan maksimum RM2,200 |
| D |
40 |
40,000 |
44,000 |
- |
Ahli tidak layak memohon. Simpanan di akaun 1 kurang daripada simpanan asas |
| E |
45 |
100,000 |
64,000 |
(100,000 – 64,000) x 20%
= RM7,200 |
Ahli layak memohon. Amaun kelayakan minimum RM1,000 dan maksimum RM7,200 |
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Note: We recommend that you read and understand the contents of the AmMutual Master Prospectus dated 10 September 2008, AmMutual Prospectus for Am-Namaa’ Asia-Pacific Equity Growth dated 11 August 2008, AmMutual Prospectus for Namaa’ Asia-Pacific Equity Growth dated 15 August 2008 and AmMutual Prospectus for AmCommodities Active - Capital Protected dated 2 September 2008 that have been registered with the Securities Commission, who takes no responsibility to its contents before investing. Copies of the Prospectus are available at our representative office. Units will be issued upon receipt of completed application form accompanying the Prospectus and subject to terms and conditions therein. Unit Prices and income distribution, if any, may rise or fall. Past performance of a fund is not an indication of future performance. Please consider fees and charges involved before investing. This is neither an offer nor solicitation to purchase units of the fund; AmInvestment Services Berhad does not guarantee any returns on the investment.
The information of this Internet website is not an offer or solicitation for the purchase of securities, units or investments, outside of Malaysia. While, AmMutual provides the information in good faith, it accepts no responsibility for the accuracy, completeness or timeliness of the information.
Some of the terms used in this website are similar to the definitions in the Prospectus.
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